Respond to Your Debt Lawsuit in Minutes —
No Lawyer Needed
Don’t let debt collectors seize your wages. Generate a professional, court-ready Answer document to protect your rights and bank account.
Avoid
embarrassment
Debt lawsuits are awkward — our guided response helps you handle it quickly and discreetly.
Save
thousands
Fighting back can reduce judgments and fees — often saving thousands of dollars.
Don’t lose
automatically
Missing the deadline means a default loss. Respond on time to stop that.
Choose the Right Plan for Your Case
Create your court-ready Answer in as little as 15 minutes.
From instant generation to expert review, we’ll guide you every step of the way.
Self-Service Answer Kit
- ✓Instant PDF Answer generation
- ✓Guided questionnaire (Easy to use)
- ✓Filing fee calculation included
- ✓Step-by-step “How to File” guide
- ✓Standard processing
- ✓Turnaround: 1 business day
Best for simple cases and users comfortable reviewing their own documents.
Human-Reviewed Answer
- ✓Everything in Essential, plus:
- ✓Document Specialist Review for completeness
- ✓Correction of formatting & margins
- ✓Customized filing instructions
- ✓Fee Waiver forms & instructions (Self-file)
- ✓Turnaround: 1 business day
We ensure your document looks professional and meets court formatting standards.
Priority + Senior Review
- ✓Everything in Plus, included
- ✓Senior Legal Specialist (Paralegal-level) deep review
- ✓Priority Rush: Front of the queue
- ✓Procedural compliance check
- ✓Extended support via email
- ✓Guaranteed 1 business day
Our highest level of care. Priority handling for urgent deadlines.
*We do not collect SSNs, passwords, bank logins, or payment card details on this website. Payments are processed by third-party providers. See our Data Use Notice.
Responding is Your Strongest Defense
The clock starts ticking the moment you are served. A “Summons and Complaint” isn’t a verdict—it’s just a claim. But if you ignore it, you lose automatically (Default Judgment). To protect your paycheck and assets, you must file an official Answer.
Level the Playing Field With DebtAegis, you can generate a professional, court-ready Answer in minutes. We turn complex legal jargon into simple questions, giving you a valid defense without the high cost of an attorney.
Why it works: Filing an Answer forces the debt collector to prove they own the debt. Many aggressive collectors simply drop the case or offer a low settlement once they see you are fighting back. Don’t let them win by default.
People Love Us
4.6 rating out of 964 reviews
Sandra Southard
The process was easy and if I had questions, I received responses quickly. Less stressful and I felt better once the case reached a settlement.
Mary
Excellent service, DebtAegis walked me through the whole process and made sure I filed on time.
Peter Dominguez
I can’t thank you enough for this service — it saved me a lot of stress dealing with the court!
Lisa Walker
The team was so helpful with the paperwork. Quick responses and clear instructions. I really appreciate the service.
Charlie
Very easy to follow instructions. I would definitely recommend DebtAegis to anyone getting sued by a collector.
Patricia Resch
I would not have known what to do to answer the court. Thank you for making it so simple.
Why Choose DebtAegis?
Technology Meets Expertise
We combine advanced AI to draft your documents instantly with an optional Expert Review to ensure your formatting is court-ready. Get the best of both worlds.
Save Thousands in Legal Fees
Attorneys charge $200+ per hour. DebtAegis helps you represent yourself (Pro Se) for a fraction of the cost, with flat-rate pricing and no hidden fees.
Risk-Free Protection
If our software cannot generate an Answer for your specific case jurisdiction, we provide a 100% full refund. We stand behind our service.
Frequently Asked Questions
If the opposing party has already filed a Motion for Default Judgment, Writ of Garnishment, or other documents then you may need to file another document in addition to this Answer.
If you’ve already filed an Answer, you won’t need to use this service.
Essential: Standard AI-generated document + Filing Guide.
Plus: Adds a Document Specialist Review for formatting compliance, plus Fee Waiver forms to potentially save you court fees.
Premium: Includes Priority Processing (Front of Queue) and a comprehensive Senior Legal Specialist (Paralegal-level) Review for maximum peace of mind.
You’ll know exactly what to do, where to send it, and how to confirm it’s received — so nothing is left uncertain.
Essential ($67): Standard processing.
Plus ($147): Fast processing with specialist review.
Premium ($247): Priority Rush – Your case is moved to the front of the review queue for guaranteed fastest turnaround.
Stop Wage Garnishment Before It Starts
Ignoring the lawsuit leads to an automatic loss (Default Judgment). The only way to win is to fight back.
Generate your court-ready Answer in just 15 minutes.